Tunnelton, IN
How exposed is Tunnelton to wildfire?
Out of every US place USFS scores, Tunnelton lands at the 18th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 149 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tunnelton's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
What "at risk" means for the buildings here
149 buildings are counted in Tunnelton, and 77.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Tunnelton against the rest of the country
Within Indiana, Tunnelton ranks higher (74th percentile) than it does nationally (18th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Tunnelton ranks 25,935 for wildfire risk (1 is highest) and 26,910 by building count (1 is largest). Within Indiana alone, it ranks 255 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
Tunnelton's low wildfire rating (18th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Because Direct exposure dominates in Tunnelton (77.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Tunnelton's figures come from
Tunnelton's 18th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Tunnelton's dominant direct exposure actually means, with real examples from across the dataset.